Great Southern Bancorp (GSBC) AI Stock Analysis

• Market Cap: $730.99M
• Dividend Yield: 2.5%
• Average Volume (3M): 38.85K
• Price to Earnings (P/E): 10.9
• Beta (1Y): 0.70
• Revenue Growth: 0.67%
• EPS Growth: 17.88%
• Country: US
• Employees: 882
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.56
• Shares Outstanding: 11,189,262
• 10 Day Avg. Volume: 44,382
• 30 Day Avg. Volume: 38,848
• PEG Ratio: -1.72
• Price to Book (P/B): 1.16
• Price to Sales (P/S): 1.97
• P/FCF Ratio: 17.84
• Enterprise Value/Market Cap: 1.49
• Enterprise Value/Revenue: 3.10
• Enterprise Value/Gross Profit: 4.77
• Enterprise Value/Ebitda: 11.56
• 1Y Price Target: $61.00
• Price Target Upside: -6.63% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $70.00 ▲(7.15% Upside)

Great Southern Bancorp scores well due to strong technical indicators and positive corporate events, including increased earnings and dividends. The financial performance is stable, though revenue growth and debt levels require monitoring. The valuation is attractive, supporting a positive outlook.

Positive Factors

Strong Capital Position

A strong capital position with a high Tier 1 Capital Ratio indicates financial stability and the ability to withstand economic pressures, supporting long-term growth and resilience.

Increased Dividend

The increase in dividends reflects the company's stable financial performance and commitment to returning value to shareholders, enhancing investor confidence and long-term shareholder value.

Asset Quality

Improved asset quality with reduced non-performing assets enhances financial health, reducing risk and supporting sustainable profitability over the long term.

Negative Factors

Revenue Growth Challenges

A decline in revenue growth indicates potential challenges in expanding market share or product adoption, which could impact long-term financial performance if not addressed.

Declining Free Cash Flow

Declining free cash flow growth may affect future liquidity and the ability to invest in growth opportunities, potentially impacting long-term operational flexibility.

Increased Debt Levels

Rising debt levels can strain cash flow and limit financial flexibility, posing risks to long-term stability if not managed effectively.

Great Southern Bancorp Business Overview & Revenue Model

Company Description

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that offers a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, construction loans, commercial business loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, including automobile loans, boat loans, home equity loans, loans secured by savings deposits. It also provides insurance and merchant banking services. As of December 31, 2021, the company operated 93 retail banking centers and approximately 200 automated teller machines in Missouri, Iowa, Minnesota, Kansas, Nebraska, and Arkansas; and six commercial and one mortgage loan production offices in Atlanta, Chicago, Dallas, Denver, Omaha, Nebraska, Phoenix and Tulsa, Oklahoma, Springfield, and Missouri. Great Southern Bancorp, Inc. was founded in 1923 and is headquartered in Springfield, Missouri.

How the Company Makes Money

Great Southern Bancorp generates revenue primarily through interest income from its loan portfolio, which includes residential mortgages, commercial loans, and consumer loans. Additionally, the bank earns income from fees associated with deposit accounts, transaction services, and other banking services. A significant portion of its revenue also comes from investment securities. The company's revenue model is supported by its ability to attract deposits at competitive rates, allowing it to fund its lending activities. Partnerships with local businesses and communities further enhance its customer base, driving growth in both lending and deposit services.

Great Southern Bancorp Financial Statement Overview

Summary

Great Southern Bancorp demonstrates strong profitability and efficient operations, with healthy margins and effective equity utilization. However, recent negative revenue and free cash flow growth rates highlight potential challenges in sustaining growth. The balance sheet remains stable with manageable leverage, but increased debt reliance could pose future risks.

Income Statement

Great Southern Bancorp shows strong profitability with a consistent gross profit margin above 60% and a net profit margin around 19% in the TTM. However, the revenue growth rate has turned negative recently, indicating potential challenges in revenue generation. Despite this, the EBIT and EBITDA margins remain healthy, reflecting efficient operations.

Balance Sheet

The company maintains a moderate debt-to-equity ratio of 0.72 in the TTM, suggesting manageable leverage. Return on equity is solid at 11.17%, indicating effective use of equity to generate profits. However, the equity ratio has slightly decreased, which could imply increased reliance on debt financing.

Cash Flow

Operating cash flow to net income ratio is stable, but free cash flow growth has been negative, indicating potential cash flow challenges. The free cash flow to net income ratio remains high, suggesting good cash generation relative to net income, but the declining trend in free cash flow growth is a concern.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	351.68M	355.26M	326.91M	261.12M	236.99M	252.75M
Gross Profit	228.57M	216.99M	226.37M	227.57M	222.00M	196.32M
EBITDA	94.30M	84.45M	94.66M	103.88M	105.50M	85.17M
Net Income	69.62M	61.81M	67.80M	75.95M	74.63M	59.31M
Balance Sheet
Total Assets	5.74B	5.98B	5.81B	5.68B	5.45B	5.53B
Cash, Cash Equivalents and Short-Term Investments	673.84M	195.76M	689.54M	659.11M	1.22B	978.66M
Total Debt	494.36M	166.34M	172.81M	277.98M	238.32M	339.86M
Total Liabilities	5.10B	5.38B	5.24B	5.15B	4.83B	4.90B
Stockholders Equity	632.93M	599.57M	571.83M	533.09M	616.75M	629.74M
Cash Flow
Free Cash Flow	60.18M	39.14M	73.40M	46.47M	79.24M	37.70M
Operating Cash Flow	69.68M	44.06M	80.70M	66.58M	84.98M	46.05M
Investing Cash Flow	255.70M	-175.39M	-88.21M	-801.28M	190.71M	-131.35M
Financing Cash Flow	-337.51M	115.75M	50.32M	185.95M	-122.15M	428.87M

Great Southern Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 65.33
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GSBC, the sentiment is Positive. The current price of 65.33 is above the 20-day moving average (MA) of 60.57, above the 50-day MA of 59.20, and above the 200-day MA of 57.99, indicating a bullish trend. The MACD of 1.62 indicates Negative momentum. The RSI at 76.17 is Negative, neither overbought nor oversold. The STOCH value of 95.39 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GSBC.

Great Southern Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FSBC	80 Outperform	$796.15M	13.83	13.95%	2.15%	22.24%	18.63%
MPB	79 Outperform	$666.31M	11.80	7.31%	2.56%	12.09%	-15.97%
TRST	78 Outperform	$817.66M	14.80	8.35%	3.33%	5.75%	20.52%
GSBC	77 Outperform	$730.99M	10.86	11.18%	2.50%	0.67%	17.88%
HTB	76 Outperform	$707.18M	11.22	10.88%	1.07%	0.21%	14.54%
BFST	76 Outperform	$824.20M	10.75	10.39%	2.06%	17.99%	11.08%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Great Southern Bancorp Corporate Events

Great Southern Bancorp Reports Strong Q3 2025 Earnings

Great Southern Bancorp, Inc. reported preliminary third-quarter 2025 earnings of $1.56 per diluted common share, showing an increase from $1.41 in the same period last year. The company’s net interest income rose to $50.8 million, driven by lower interest expenses, while non-performing assets decreased significantly, reflecting strong asset quality. Despite economic pressures, the company maintained a solid capital position with a Tier 1 Leverage Ratio of 11.9% and continued to manage expenses carefully, focusing on long-term profitability and shareholder value.

Great Southern Bancorp Announces Increased Quarterly Dividend

On September 17, 2025, Great Southern Bancorp, Inc., the holding company for Great Southern Bank, announced a quarterly dividend of $0.43 per common share for the third quarter, payable on October 14, 2025. This dividend marks a $0.03 increase from the previous quarter and continues the company’s long-standing tradition of paying dividends, being the 143rd consecutive quarterly dividend. The announcement reflects the company’s stable financial performance and commitment to returning value to its shareholders.